Ben Bhangu

The Home Loan Guru!

NMLS: 746773

530-415-3004

Ben@AnswerHomeLending.com

Ben Bhangu The Home Loan Guru!

SUMMER IS HERE - AND SO IS YOUR OPPORTUNITY TO OPEN THE DOOR TO A NEW HOME!

In 2026 stop renting and be in YOUR Dream Home! Ask me how!

Get a head start in today's market by securing your pre-approval and knowing exactly what you can afford. With the right strategy and guidance, you can shop with confidence, move quickly on the right home, and stand out to sellers. Let's turn this season of grown into the moment you make your move.

Hablo Espanol, Punjabi, Hindi, and English!

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beautiful home backyard

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

About Us

We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today.

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Loan Programs

Here at Answer Home Lending, we have the right loan program for you. Whether you are looking for Purchase, Refinance, or Specialized Loans, we can do it!

Mortgage application form with an accompanying calculator

Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Mortgage application form with an accompanying calculator
Mortgage Calculators

Browse our selection of calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

Unlock the key to your new home with Answer Home Lending
years of experience

WHO WE ARE

Your Home, Our Expertise: Your Perfect Mortgage Partner

Our Vision Our Mission

Fast Approval: Streamlined application and approval process to get you into your new home sooner.

To provide exceptional service to clients by offering a wide range of mortgage products and services, while maintaining the highest level of integrity and professionalism.

Apply Now
Call Any Time 530-415-3004

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating
5.0
158 reviews
Write a Review
Ernest
Thank you for helping our family acquire stability. Ben Bhangu was more than great—he welcomed us warmly, was transparent every step of the way, and e ...
Thank you for helping our family acquire stability. Ben Bhangu was more than great—he welcomed us warmly, was transparent every step of the way, and explained every detail in plain, simple English.

Ben, you have changed the trajectory of our lives for the better. If you are searching for a way to secure a home loan, look no further, because Ben will exceed your every expectation. He truly treats you like family.

As a veteran who wanted to use my VA loan benefit, I can confidently say he supports veterans more than anyone else I've tried, offering better support, trust, and rates. It would genuinely be your loss not to call him. We give Ben our highest recommendation to anyone looking for a home loan. Ben's actions and expertise absolutely support his title as 'The Home Loan Guru.'

Thank you also to Luz for making our family feel so comfortable and welcome. Cheers to the American Dream!
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Ernest

3 days ago

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rajkanwar brar
Very professional , knowledgeable and humble team, only 1 visit to their office to sign the completed documents. Highly recommended!!!
Very professional , knowledgeable and humble team, only 1 visit to their office to sign the completed documents. Highly recommended!!!

rajkanwar brar

1 week ago

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Camelia Joensun
Supportive, interested, helpful. Ben and his team were willing to help us purchase our home with incredible friendliness. They even gave us a lovely g ...
Supportive, interested, helpful. Ben and his team were willing to help us purchase our home with incredible friendliness. They even gave us a lovely gift basket. Everything was concise, and Ben was always willing to not just go at our pace, but help us take those steps forwards.
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Camelia Joensun

1 week ago

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Tabitha Johnston
Thank you so much Ben! You and Luz are the best! Thank you so much for your time and dedication to seeing us through! This one was a tricky one, but y ...
Thank you so much Ben! You and Luz are the best! Thank you so much for your time and dedication to seeing us through! This one was a tricky one, but you stuck by us and helped guide us to the very end! We appreciate you both so much! Highly recommend anyone to have Ben Bhangu and Luz Gonzalez help them out with their home loan needs. You won’t be disappointed!
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Tabitha Johnston

2 weeks ago

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Kristina Dettamanti
The ultimate peace of mind for first-time buyers!
We are so grateful for Ben’s help with our first home purchase. We started this journey knowing n ...
The ultimate peace of mind for first-time buyers!
We are so grateful for Ben’s help with our first home purchase. We started this journey knowing nothing about buying a house, but Ben made the entire process seamless. He was incredibly patient, answering every question and explaining the details so we always felt confident. He saved us valuable time and gave us invaluable peace of mind. Thank you, Ben!
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Kristina Dettamanti

3 weeks ago

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Gibs
Was a huge help in the process of getting approved, funding the loan and making sure everything went smoothly. Answers the phone whenever you call. Be ...
Was a huge help in the process of getting approved, funding the loan and making sure everything went smoothly. Answers the phone whenever you call. Ben Bhangu has got your back.
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Gibs

1 month ago

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Yesenia Raya
Big thank you to Ben and Luz at Answer Home Lending, for helping us in the process of purchasing our first home! Ben and Luz are amazing at what they ...
Big thank you to Ben and Luz at Answer Home Lending, for helping us in the process of purchasing our first home! Ben and Luz are amazing at what they do. As a first time homebuyer, I had many questions throughout the process. Ben answered all of our questions and addressed all of our concerns from beginning to end, with no hesitation and was always available. I highly recommend going to them if you are in the process of looking to buy a home. Thank you for everything again, Ben and Luz!
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Yesenia Raya

1 month ago

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Angel Yepez
Thank you Ben and for making the house buying process as easily as can be! You help explain everything in detail and had patience with us and our ques ...
Thank you Ben and for making the house buying process as easily as can be! You help explain everything in detail and had patience with us and our questions. We truly got lucky with finding you that day at the open house! We appreciate everything even after closing. Thanks again!
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Angel Yepez

1 month ago

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Michelle Ritter
I Absolutely recommend Ben he was So professional, very knowledgeable worked quickly to get us into our new home. He is a Wonderful kind person. Offic ...
I Absolutely recommend Ben he was So professional, very knowledgeable worked quickly to get us into our new home. He is a Wonderful kind person. Office is clean and friendly. Highly recommend!!
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Michelle Ritter

2 months ago

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Kelsie Monroe
Ben has been an absolute pleasure to work with. He was very helpful with my first time home buyers walking them through each and every step without mi ...
Ben has been an absolute pleasure to work with. He was very helpful with my first time home buyers walking them through each and every step without missing a thing. The communication was great through the whole process! Thank you Ben & team for your push to get my clients to the finish line.
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Kelsie Monroe

2 months ago

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Maria Del Pilar Mora Diaz
I absolutely loved the quality of care I received. They listened to what I expected to have in my home and they delivered perfectly. They were patient ...
I absolutely loved the quality of care I received. They listened to what I expected to have in my home and they delivered perfectly. They were patient with me, now thanks to them I have my forever home.
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Maria Del Pilar Mora Diaz

2 months ago

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brisa barriga
Ben and Luz were fantastic and made our entire home loan process so much less stressful. They were always available—whether in person or over the phon ...
Ben and Luz were fantastic and made our entire home loan process so much less stressful. They were always available—whether in person or over the phone—and took the time to answer every question we had with clear, helpful explanations. They are honest, respectful, and incredibly patient. Since this was our first home purchase, we’re especially grateful we chose to work with Ben and Luz. I highly recommend Ben Bhangu, the home loan guru!
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brisa barriga

2 months ago

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Coldwell Banker Associated Brokers
Ben did a great job, in a short amount of time. closed today.
Ben did a great job, in a short amount of time. closed today.

Coldwell Banker Associated Brokers

2 months ago

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Aurelio Garcia
Ben and Luz were awesome. I wouldn’t have chose anyone else To help us with such an extremely stressful process, they made it super smooth and we’re k ...
Ben and Luz were awesome. I wouldn’t have chose anyone else To help us with such an extremely stressful process, they made it super smooth and we’re keeping us updated at every step! If I was able to give more than five stars, I definitely would. Thank you so much for everything Ben and Luz!
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Aurelio Garcia

2 months ago

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Larry Needham
Great experience, personable & knowledgeable, Ben came highly recommended by my realtor Ginny Ritz.
Great experience, personable & knowledgeable, Ben came highly recommended by my realtor Ginny Ritz.

Larry Needham

2 months ago

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Tiffany Schneider
Ben Bhangu really is a "Guru" in the mortgage lending industry. There were many obstacles standing in the way of me getting a home loan. Which made m ...
Ben Bhangu really is a "Guru" in the mortgage lending industry. There were many obstacles standing in the way of me getting a home loan. Which made me feel discouraged and overwhelmed. I felt like I shouldn't even try to buy a home. Ben took all those obstacles away from me instantly, making me feel like they were no big deal. Ben handled each issue like they no longer existed. As if he had seen those issues before and were not really an issue at all, like I thought they were. Ben didn't just turn me away because my loan was not going to be ideal and easy to do like most lenders would have done. If you want a home lender that is going to help you get a loan that is not only the right loan for you and deals with issues with the kind of professionalism often not found in the home lending industry, then in my opinion Ben is the ONLY home lender you should trust to obtain a home loan that is going to be so critically important to you for the next 30 years of your life.
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Tiffany Schneider

3 months ago

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Delane Haymore
I’m not at all the ideal customer because of my self employed status/ Ben had to work really hard and was able to get me what I wanted/ Super Professi ...
I’m not at all the ideal customer because of my self employed status/ Ben had to work really hard and was able to get me what I wanted/ Super Professional and great to work with/Thanks again Ben
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Delane Haymore

3 months ago

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Susie Toche-yartz
Ben and Luz were absolutely amazing making this transaction happen!! Thank you so much for your incredible effort on this transaction. Your persistenc ...
Ben and Luz were absolutely amazing making this transaction happen!! Thank you so much for your incredible effort on this transaction. Your persistence, communication, and ability to navigate the challenges—especially with an out-of-country buyer. You truly went above and beyond to get this loan across the finish line, and I sincerely appreciate you!! I am looking forward to work with you again **********
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Susie Toche-yartz

3 months ago

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Ajitpal Sandhu
Ben was great, helped us navigate the loan process with ease. Excellent communication, very informative and responsive.
Ben was great, helped us navigate the loan process with ease. Excellent communication, very informative and responsive.

Ajitpal Sandhu

3 months ago

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Patty Toche
Thank you to Ben and luz for being the best part of buying our forever home the process was easy fast and amazing Jose and I have been so lucky and bl ...
Thank you to Ben and luz for being the best part of buying our forever home the process was easy fast and amazing Jose and I have been so lucky and blessed to have met you Thank you
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Patty Toche

4 months ago

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Zac n Zoé
Review: The entire transaction was very efficient and smooth from start to finish. The process was fast, transparent, and reliable. Communication was ...
Review: The entire transaction was very efficient and smooth from start to finish. The process was fast, transparent, and reliable. Communication was always open, and we felt respected and supported throughout the experience. They were always willing to help and answer our questions as we worked toward securing our second home. We truly appreciate the professionalism and assistance provided along the way. Thank you,
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Zac n Zoé

4 months ago

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Alicia Bagley
Ben and Luz made the process of buying our first home so easy. Every time we looked at a house a needed a mortgage estimate, Ben sent it within an hou ...
Ben and Luz made the process of buying our first home so easy. Every time we looked at a house a needed a mortgage estimate, Ben sent it within an hour. They answered all of our questions with very thorough explanations and made sure we understood everything. When we finally had someone accept our offer, they locked us into an incredible interest rate and we were able to close on our home in only 1 month. My husband and I couldn’t recommend Ben and Luz enough. We are grateful to have had such a smooth and easy experience buying a home for our first time.
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Alicia Bagley

6 months ago

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Don Caudill
I had the pleasure of working with Ben Bhangu (The Home Loan Guru) on a transaction with my first time home buyer clients, and Ben was fantastic, he d ...
I had the pleasure of working with Ben Bhangu (The Home Loan Guru) on a transaction with my first time home buyer clients, and Ben was fantastic, he did an absolutely outstanding job, from start to finish. Ben is very professional, knowledgeable and experienced. Most importantly, my clients were very happy with their experience and felt well taken care of and Ben delivered exactly that. I highly recommennd Ben Bhangu to anyone looking for a knowledgeable, reliable, and client-focused loan officer. especially first-time homebuyers. Don Caudill DRE# 01372281/ Real Estate Broker, Keller Williams Realy- Yuba Sutter.
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Don Caudill

7 months ago

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Nancy Carbajal
I can't thank Ben & Luz enough for their professionalism and attention to detail with the process. Ben & Luz go out of their way to educate the buyer. ...
I can't thank Ben & Luz enough for their professionalism and attention to detail with the process. Ben & Luz go out of their way to educate the buyer. They made me feel special and we had fun too! I would highly recommend the Home Loan Guru! He truly earns his title!
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Nancy Carbajal

7 months ago

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Kelsea
Ben and Luz were amazing! They made the process so easy to buy a home and found the best rates for me as quickly as possible. I felt like part of thei ...
Ben and Luz were amazing! They made the process so easy to buy a home and found the best rates for me as quickly as possible. I felt like part of their family during the process but even after I know I can still go to them if any questions arise and they’ll be there. Thank you guys so much for making that difficult time as easy as you did. I love my new home!
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Kelsea

7 months ago

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Sara Wood
As a first-time homebuyer, I was nervous about the entire process, but Ben Bhangu made everything so simple and stress-free. He took the time to expla ...
As a first-time homebuyer, I was nervous about the entire process, but Ben Bhangu made everything so simple and stress-free. He took the time to explain every step in detail, answered all my questions, and never made me feel rushed or overwhelmed. Ben’s communication was outstanding! Seriously! I always knew what was happening and what to expect next. If you’re buying your first home and want a lender who is patient, knowledgeable, and genuinely caring, Ben is the perfect choice!
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Sara Wood

7 months ago

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Cesar Serrano
Thanks to Ben Bhangu and his staff at Answer Home Lending, we were able to get our home loan approved super fast and hassle-free. Thank you so much fo ...
Thanks to Ben Bhangu and his staff at Answer Home Lending, we were able to get our home loan approved super fast and hassle-free. Thank you so much for the great service we received. I hope other potential home buyers consider using their services. Thanks again. I give you guys a five star rating!!
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Cesar Serrano

8 months ago

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Tarnjit Deol
Ben and his team were a pleasure to work with. He takes the time to walk through all the documents to ensure each party fully understands them. His si ...
Ben and his team were a pleasure to work with. He takes the time to walk through all the documents to ensure each party fully understands them. His sincerity and dedication are evident, as he’s always willing to assist with understanding paperwork even after the loan process is complete. I would definitely work with Ben in the future for all my home loan needs.
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Tarnjit Deol

8 months ago

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Sigi Robles
Purchasing a home can be a difficult, scarry, yet rewarding experience. It all comes together easy when you have the right team behind you helping eve ...
Purchasing a home can be a difficult, scarry, yet rewarding experience. It all comes together easy when you have the right team behind you helping every step of the way. My wife and I are so glad that that team was Ben and Luz. They made the lending process easy and pain free. Thanks again!
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Sigi Robles

8 months ago

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Michelle Franzen
It was a pleasure working with Ben Bhangu. I would recommend him to anyone looking to purchase a home. His team is great and efficient!!
It was a pleasure working with Ben Bhangu. I would recommend him to anyone looking to purchase a home. His team is great and efficient!!

Michelle Franzen

9 months ago

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Rosie Gonzalez
Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best int ...
Above and beyond - you don't come across many Lenders like this anymore! Thorough, attentive, detailed and always looking after their clients best interest. Zero sales tactics, zero gimics, just honest, solid work with Ben and Luz. Thank you both, we look forward to working with you soon!
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Rosie Gonzalez

9 months ago

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L A
It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and ...
It was a pleasure working with Ben and would highly recommend him to any one looking to purchase or refinance property. Ben is very knowledgeable and responds quickly to any questions that may come up. He made this transaction go very smoothly.
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L A

9 months ago

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Gib
Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very know ...
Took care of everything for us very fast and very professional. He will walk you through the whole process to make sure you understand. He’s very knowledgeable and will go out of his way to get you the best deal !!!
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Gib

9 months ago

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Lacie Stumpf
Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original ...
Ben and Luz were a team made in heaven to work with!! They quickly closed on their timelines and did a phenomenal job at closing faster than original dates. I appreciate the hard work!! Highly recommend Ben and his team!
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Lacie Stumpf

9 months ago

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Joe Garcia
I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive r ...
I had a wonderful and smooth process getting my home loan from Ben Bhangu. He was quick with all of my needs and questions. He gave me a competitive rate. Ben made this a smooth journey. I would definitely recommend Ben to anyone in the market
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Joe Garcia

9 months ago

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cap'n bob Kirchner
I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing o ...
I worked with Ben and his team over the course of almost a year while looking for the perfect home. I was in contract three times, each time drawing on Ben's expertise and encouragement. Mortgage brokers get paid when a deal closes and two of my deals did not go through. Even through my first efforts were frustrating Ben was patient and stuck with me with each complication. My situation was not "cookie cutter" including a pending divorce and a contingency contract. Ben stuck with me while I successfully found the perfect place. Thanks Ben. I highly recommend Ben and his team.
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cap'n bob Kirchner

10 months ago

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Bianca Soto
Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 Th ...
Working with Ben Bhangu (The Home Loan Guru) and his wonderful assistant Luz Gonzalez at Answer Home Lending was truly an exceptional experience! 🙌 They assisted my buyer clients in securing their home purchase with zero money out of pocket – an incredible win that completely exceeded expectations. My clients had originally been preapproved with another lender, but Ben came through with an even better loan option that not only saved them money but also helped us close quickly and smoothly. From start to finish, Ben explained every step of the process with patience and clarity, making sure everyone felt informed and confident along the way. Luz was equally amazing in providing seamless support and communication throughout the transaction. I am beyond impressed with their dedication, professionalism, and willingness to go above and beyond for clients. I would 100% recommend Ben and his team and absolutely look forward to working with them again in the future! — Bianca Soto, Realtor
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Bianca Soto

10 months ago

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Guadalupe Gutierrez
Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista p ...
Ben y Luz estoy muy agredecida por todo su ayuda que nos dieron a mí y mi familia en comprar nuestra casa. Si alguien está buscando a un prestamista para comprar su casa se los recomiendo al 100 porciento. Muchas gracias de nuevo!
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Guadalupe Gutierrez

10 months ago

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Jennifer Lopez
Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date w ...
Ben and Luz were extremely knowledgeable and helpful in my first time home buyer process! Highly recommend coming with them. They kept me up to date with any progress, and questions I had, and even went above and beyond to go in person to complete my process to ensure that I had my home before my birthday! Luz también habla Español y puede ayudar con cualquier pregunta o duda!
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Jennifer Lopez

10 months ago

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Stacy Lee
5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buyin ...
5 Stars – Incredible Support from Ben for a First-Time Homebuyer! Working with Ben was an absolute game-changer for my husband and I journey to buying our first home. As a first-time homebuyer, we had so many questions and uncertainties, but Ben was there every step of the way with clear explanations, expert advice, and a truly reassuring presence. He took the time to walk us through every part of the loan process, provided us with written reminders of dos and don’ts and made what could have been a stressful experience feel smooth and manageable. Ben was always quick to respond whether through text messaging or calls, and is incredibly knowledgeable, and—most importantly—genuinely kind and patient. Thanks to his hard work and guidance, we were able to close on our first home with confidence and peace of mind. If you're looking for someone trustworthy, professional, and truly dedicated to helping you succeed, we can't recommend Ben enough. He made a potentially overwhelming process feel personal and empowering.
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Stacy Lee

11 months ago

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Quinn Stacks
I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He ...
I just had the pleasure of closing an escrow with Ben, who handled the buyer’s financing, and I can’t say enough great things about the experience. He and his team were a breath of fresh air—extremely communicative, responsive, and professional from start to finish. I was kept in the loop the entire time, which made the transaction smooth and stress-free. I highly recommend Ben and his team for any purchase or refinance—you’ll be in great hands!
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Quinn Stacks

1 year ago

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Crystal Thomas
Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made th ...
Ben and his team were very friendly and responded right away to my many questions as a first time home buyer. They were very professional and made the mortgage experience a very smooth one! I will definitely be recommending them to anyone needing a home loan!
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Crystal Thomas

1 year ago

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Luis Orejel
Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending p ...
Ben helped us out with the purchase of our home. He made the lending process easy by being thorough with all the steps required through the lending process. I would highly recommend to anybody looking for a lender.
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Luis Orejel

1 year ago

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Jayedene Chesini
Amazing over the top service & communication!!!
Amazing over the top service & communication!!!

Jayedene Chesini

1 year ago

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Kathryn Springsteen
Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out ...
Ben Bhangu was wonderful to work with and helped my clients get a VA loan when other lenders could not get it done. Thanks to Ben, he made it work out smoothly!
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Kathryn Springsteen

1 year ago

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Scott Dawn Houser
Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date ...
Ben provided us with exceptional service and assistance with our mortgage needs. He was readily available to answer questions and keep us up-to-date on the progress. His knowledge and expertise were of tremendous value to us. Thank you Ben.
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Scott Dawn Houser

1 year ago

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Paula Costa
“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the t ...
“Ben was absolutely outstanding. He was incredibly knowledgeable, responsive, and made the entire process seamless from start to finish. He took the time to explain every step clearly, answered all my questions with patience, and went above and beyond to ensure I got the best possible terms. I truly felt like I was in good hands with Ben—he made a stressful, process feel easy. He went the extra mile with my concerns even after his portion of the transaction was complete. I appreciate his kindness. I will definitely be using him for all my future loan needs. Thanks Ben!!
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Paula Costa

1 year ago

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Sarah Hart
Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a ...
Ben was amazing in helping us get a construction loan to build our dream house!! He was profession, knowledgable and available to us whenever we had a question. We would recommend him to anyone!
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Sarah Hart

1 year ago

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